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. >> would you like for us to help you do that? >> we have supported before and i will state again today that going back to the limits makes real sense. i will go further than that, that we should lay out a path to go back to even lower limits that existed before the crisis in a way that is done consistent with how we do housing finance reform. that is a larger question. but the immediate step of going back to the pre-era limits is one we would support. >> are you developing a fan. and i hope we could look at some of those things. home mortgage insurance. the way i understand that it works is private mortgage insurers when you get down to a certain loan to value ratio, the insurance -- the premium is dropped, but also the insurance is dropped. and yet you have a trillion dollars in loans on your books where the loan to value has dropped. they are no longer paying premiums, but you are keeping the guarantee in place. that doesn't make any sense to me. and why don't you continue to make the homeowner, who has that guarantee, continue to make the premium payments? that would be something th
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